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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan The following table provides outstanding balances related to each of our loan types:
 
March 31, 2021December 31, 2020
 (dollars in thousands)
Commercial, financial, agricultural and other$1,555,671 $1,555,986 
Time and demand1,541,280 1,541,382 
Commercial credit cards14,391 14,604 
Real estate construction404,580 427,221 
Residential real estate1,756,615 1,750,592 
Residential first lien1,152,314 1,144,323 
Residential junior lien/home equity604,301 606,269 
Commercial real estate2,167,506 2,211,569 
Multifamily363,604 371,239 
Nonowner occupied1,393,968 1,421,151 
Owner occupied409,934 419,179 
Loans to individuals852,522 815,815 
Automobile759,061 712,800 
Consumer credit cards10,901 12,360 
Consumer other82,560 90,655 
Total loans$6,736,894 $6,761,183 
Credit Risk Profile by Creditworthiness
The following tables represent our credit risk profile by creditworthiness:
 March 31, 2021
Non-Pass
PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
(dollars in thousands)
Commercial, financial, agricultural and other$1,499,180 $36,188 $20,303 $— $— $56,491 $1,555,671 
Time and demand1,484,789 36,188 20,303 — — 56,491 1,541,280 
Commercial credit cards14,391 — — — — — 14,391 
Real estate construction404,044 482 54 — — 536 404,580 
Residential real estate1,747,310 1,678 7,627 — — 9,305 1,756,615 
Residential first lien1,146,787 1,562 3,965 — — 5,527 1,152,314 
Residential junior lien/home equity600,523 116 3,662 — — 3,778 604,301 
Commercial real estate1,962,008 161,769 43,729 — — 205,498 2,167,506 
Multifamily362,937 128 539 — — 667 363,604 
Nonowner occupied1,206,587 150,850 36,531 — — 187,381 1,393,968 
Owner occupied392,484 10,791 6,659 — — 17,450 409,934 
Loans to individuals852,209 — 313 — — 313 852,522 
Automobile758,824 — 237 — — 237 759,061 
Consumer credit cards10,901 — — — — — 10,901 
Consumer other82,484 — 76 — — 76 82,560 
Total loans$6,464,751 $200,117 $72,026 $— $— $272,143 $6,736,894 
 
 December 31, 2020
Non-Pass
PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
(dollars in thousands)
Commercial, financial, agricultural and other$1,491,916 $48,233 $15,837 $— $— $64,070 $1,555,986 
Time and demand1,477,312 48,233 15,837 — — 64,070 1,541,382 
Commercial credit cards14,604 — — — — — 14,604 
Real estate construction426,663 504 54 — — 558 427,221 
Residential real estate1,740,992 1,902 7,698 — — 9,600 1,750,592 
Residential first lien1,138,409 1,780 4,134 — — 5,914 1,144,323 
Residential junior lien/home equity602,583 122 3,564 — — 3,686 606,269 
Commercial real estate1,983,258 175,995 52,316 — — 228,311 2,211,569 
Multifamily369,883 131 1,225 — — 1,356 371,239 
Nonowner occupied1,216,252 161,336 43,563 — — 204,899 1,421,151 
Owner occupied397,123 14,528 7,528 — — 22,056 419,179 
Loans to individuals815,541 — 274 — — 274 815,815 
Automobile712,539 — 261 — — 261 712,800 
Consumer credit cards12,360 — — — — — 12,360 
Consumer other90,642 — 13 — — 13 90,655 
Total loans$6,458,370 $226,634 $76,179 $— $— $302,813 $6,761,183 
Credit Risk Profile Vintage by Creditworthiness
The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:
March 31, 2021
Term LoansRevolving Loans
20212020201920182017PriorTotal
(dollars in thousands)
Time and demand$257,058 $396,576 $189,596 $122,119 $66,911 $144,948 $364,072 $1,541,280 
Pass257,058 396,448 186,044 121,121 58,332 122,354 343,432 1,484,789 
OAEM— 92 3,182 407 2,208 14,292 16,007 36,188 
Substandard— 36 370 591 6,371 8,302 4,633 20,303 
Commercial credit cards— — — — — — 14,391 14,391 
Pass— — — — — — 14,391 14,391 
Real estate construction9,316 180,780 126,114 70,292 14,708 1,726 1,644 404,580 
Pass9,316 180,780 126,114 70,292 14,708 1,442 1,392 404,044 
OAEM— — — — — 230 252 482 
Substandard— — — — — 54 — 54 
Residential first lien83,849 331,249 165,945 122,959 99,601 346,732 1,979 1,152,314 
Pass83,849 331,226 165,945 122,578 99,536 341,751 1,902 1,146,787 
OAEM— — — 79 — 1,406 77 1,562 
Substandard— 23 — 302 65 3,575 — 3,965 
Residential junior lien/home equity6,749 2,922 5,294 4,154 1,801 7,763 575,618 604,301 
Pass6,749 2,922 5,211 4,154 1,801 7,522 572,164 600,523 
OAEM— — — — — 106 10 116 
Substandard— — 83 — — 135 3,444 3,662 
Multifamily7,020 76,288 16,794 70,837 79,170 112,089 1,406 363,604 
Pass7,020 76,288 16,794 70,837 79,170 111,422 1,406 362,937 
OAEM— — — — — 128 — 128 
Substandard— — — — — 539 — 539 
Nonowner occupied19,627 99,280 202,069 166,231 206,739 693,120 6,902 1,393,968 
Pass19,627 99,280 196,474 156,236 164,325 564,024 6,621 1,206,587 
OAEM— — 5,595 9,995 35,497 99,636 127 150,850 
Substandard— — — — 6,917 29,460 154 36,531 
Owner occupied13,323 57,587 66,580 55,783 39,600 172,403 4,658 409,934 
Pass13,323 55,839 65,010 53,992 38,257 161,623 4,440 392,484 
OAEM— 1,748 672 986 1,319 6,033 33 10,791 
Substandard— — 898 805 24 4,747 185 6,659 
Automobile116,255 329,579 181,901 82,762 36,407 12,157 — 759,061 
Pass116,255 329,579 181,809 82,745 36,378 12,058 — 758,824 
Substandard— — 92 17 29 99 — 237 
Consumer credit cards— — — — — — 10,901 10,901 
Pass— — — — — — 10,901 10,901 
Consumer other1,087 6,882 12,760 9,023 1,523 6,600 44,685 82,560 
Pass1,087 6,882 12,760 9,023 1,523 6,554 44,655 82,484 
Substandard— — — — — 46 30 76 
Total$514,284 $1,481,143 $967,053 $704,160 $546,460 $1,497,538 $1,026,256 $6,736,894 
Age Analysis of Past Due Loans by Segment
The following tables delineate the aging analysis of the recorded investments in past due loans as of March 31, 2021 and December 31, 2020. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.
 March 31, 2021
 30 - 59 days past due60 - 89 days past due90 days or greater and still accruingNonaccrualTotal past due and nonaccrualCurrentTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$155 $31 $6 $8,729 $8,921 $1,546,750 $1,555,671 
Time and demand78 19 — 8,729 8,826 1,532,454 1,541,280 
Commercial credit cards77 112 6 — 95 14,296 14,391 
Real estate construction— — — 54 54 404,526 404,580 
Residential real estate3,407 681 482 6,806 11,376 1,745,239 1,756,615 
Residential first lien1,703 378 228 3,367 5,676 1,146,638 1,152,314 
Residential junior lien/home equity1,704 303 254 3,439 5,700 598,601 604,301 
Commercial real estate671 154 — 27,782 28,607 2,138,899 2,167,506 
Multifamily— — — 459 459 363,145 363,604 
Nonowner occupied154 102 — 25,018 25,274 1,368,694 1,393,968 
Owner occupied517 52 — 2,305 2,874 407,060 409,934 
Loans to individuals1,198 540 591 313 2,642 849,880 852,522 
Automobile775 1266 87 237 1,365 757,696 759,061 
Consumer credit cards58 56 42 — 156 10,745 10,901 
Consumer other365 218 462 76 1,121 81,439 82,560 
Total loans$5,431 $1,406 $1,079 $43,684 $51,600 $6,685,294 $6,736,894 
 
 December 31, 2020
 30 - 59 days past due60 - 89 days past due90 days or greater and still accruingNonaccrualTotal past due and nonaccrual CurrentTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$146 $62 $112 $3,317 $3,637 $1,552,349 $1,555,986 
Time and demand97 28 23 3,317 3,465 1,537,917 1,541,382 
Commercial credit cards49 134 89 — 172 14,432 14,604 
Real estate construction936 — — 54 990 426,231 427,221 
Residential real estate3,883 1,492 769 6,824 12,968 1,737,624 1,750,592 
Residential first lien1,775 660 267 3,489 6,191 1,138,132 1,144,323 
Residential junior lien/home equity2,108 832 502 3,335 6,777 599,492 606,269 
Commercial real estate237 160 3 35,072 35,472 2,176,097 2,211,569 
Multifamily— — — 460 460 370,779 371,239 
Nonowner occupied18 104 — 31,822 31,944 1,389,207 1,421,151 
Owner occupied219 56 3 2,790 3,068 416,111 419,179 
Loans to individuals2,870 852 639 274 4,635 811,180 815,815 
Automobile2,090 1417 94 261 2,862 709,938 712,800 
Consumer credit cards52 39 123 — 214 12,146 12,360 
Consumer other728 396 422 13 1,559 89,096 90,655 
Total loans$8,072 $2,566 $1,523 $45,541 $57,702 $6,703,481 $6,761,183 
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance
The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of March 31, 2021 and December 31, 2020. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.
 March 31, 2021December 31, 2020
 Recorded
investment		Unpaid
principal
balance		Related
allowance		Recorded
investment		Unpaid
principal
balance		Related
allowance
 (dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other$1,780 $7,659 $2,025 $2,725 
Time and demand1,780 7,659 2,025 2,725 
Real estate construction54 53 54 53 
Residential real estate10,814 13,199 10,939 13,258 
Residential first lien5,856 7,402 6,062 7,575 
Residential junior lien/home equity4,958 5,797 4,877 5,683 
Commercial real estate20,653 22,754 20,650 23,641 
Multifamily— — 1 82 
Nonowner occupied18,125 19,933 16,786 19,459 
Owner occupied2,528 2,821 3,863 4,100 
Loans to individuals505 546 418 447 
Automobile429 465 405 430 
Consumer other76 81 13 17 
Subtotal33,806 44,211 34,086 40,124 
With an allowance recorded:
Commercial, financial, agricultural and other8,957 9,038 2,506 4,210 9,377 1,268 
Time and demand8,957 9,038 2,506 4,210 9,377 1,268 
Real estate construction— — — — — — 
Residential real estate— — — — — — 
Residential first lien— — — — — — 
Residential junior lien/home equity— — — — — — 
Commercial real estate7,618 7,693 601 15,757 15,830 3,638 
Multifamily459 473 115 459 470 116 
Nonowner occupied6,917 6,979 459 15,060 15,122 3,508 
Owner occupied242 241 27 238 238 14 
Loans to individuals— — — — — — 
Automobile— — — — — — 
Consumer other— — — — — — 
Subtotal16,575 16,731 3,107 19,967 25,207 4,906 
Total$50,381 $60,942 $3,107 $54,053 $65,331 $4,906 
 For the Three Months Ended March 31,
 20212020
Total LoansOriginated LoansAcquired Loans
 Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
income
recognized
 (dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other$2,280 $11 $925 $4 $74 $— 
Time and demand2,280 11 
Real estate construction54 — — — — — 
Residential real estate10,892 63 10,529 78 2,090 2 
Residential first lien5,982 45 
Residential junior lien/home equity4,910 18 
Commercial real estate25,739 22 4,086 22 229 — 
Multifamily— — 
Nonowner occupied22,593 7 
Owner occupied3,146 15 
Loans to individuals479 2 445 3 12 — 
Automobile437 2 
Consumer other42 — 
Subtotal39,444 98 15,985 107 2,405 2 
With an allowance recorded:
Commercial, financial, agricultural and other4,895 18 7,838 18 — — 
Time and demand4,895 18 
Real estate construction— — — — — — 
Residential real estate— — 325 — — — 
Residential first lien— — 
Residential junior lien/home equity— — 
Commercial real estate7,462 — 13,114 1 616 — 
Multifamily464 — 
Nonowner occupied6,917 — 
Owner occupied81 — 
Loans to individuals— — — — — — 
Automobile— — 
Consumer other— — 
Subtotal12,357 18 21,277 19 616 — 
Total$51,801 $116 $37,262 $126 $3,021 $2 
Troubled Debt Restructured Loans and Commitments
The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
March 31, 2021December 31, 2020
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$6,697 $8,512 
Nonaccrual status20,628 14,740 
Total$27,325 $23,252 
Commitments
Letters of credit$60 $60 
Unused lines of credit12 11 
Total$72 $71 
Troubled Debt Restructuring Subsequent Default [Table Text Block]
A troubled debt restructuring is considered to be in default when a restructured loan is 90 days or more past due. The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the three months ended March 31:
 20212020
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Residential real estate— $— 1 $71 
Total— $— 1 $71 
Allowance for Credit Losses
The following tables provide detail related to the allowance for credit losses:
 For the Three Months Ended March 31, 2021
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$17,187 $(569)$90 $5,093 $21,801 
Time and demand16,838 (460)89 4,960 21,427 
Commercial credit cards349 (109)1 133 374 
Real estate construction7,966 — — (3,945)4,021 
Residential real estate14,358 — (105)37 (1,461)12,829 
Residential first lien7,919 (23)23 (692)7,227 
Residential junior lien/home equity6,439 (82)14 (769)5,602 
Commercial real estate41,953 (1,550)39 (2,774)37,668 
Multifamily6,240 (1)— (1,988)4,251 
Nonowner occupied28,414 (1,549)39 985 27,889 
Owner occupied7,299 — — — (1,771)5,528 
Loans to individuals19,845 (1,541)329 1,811 20,444 
Automobile16,133 (680)181 1,254 16,888 
Consumer credit cards635 (168)17 205 689 
Consumer other3,077 (693)131 352 2,867 
Total loans$101,309 $(3,765)$495 $(1,276)$96,763 
a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
For the Three Months Ended March 31, 2021
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$21,801 $2,506 $19,295 $1,555,671 $9,991 $1,545,680 
Time and demand21,427 2,506 18,921 1,541,280 9,991 1,531,289 
Commercial credit cards374 — 374 14,391 — 14,391 
Real estate construction4,021 — 4,021 404,580 — 404,580 
Residential real estate12,829 — 12,829 1,756,615 1,055 1,755,560 
Residential first lien7,227 — 7,227 1,152,314 512 1,151,802 
Residential junior lien/home equity5,602 — 5,602 604,301 543 603,758 
Commercial real estate37,668 601 37,067 2,167,506 27,413 2,140,093 
Multifamily4,251 115 4,136 363,604 459 363,145 
Nonowner occupied27,889 459 27,430 1,393,968 24,883 1,369,085 
Owner occupied5,528 27 5,501 409,934 2,071 407,863 
Loans to individuals20,444 — 20,444 852,522 — 852,522 
Automobile16,888 — 16,888 759,061 — 759,061 
Consumer credit cards689 — 689 10,901 — 10,901 
Consumer other2,867 — 2,867 82,560 — 82,560 
Total loans$96,763 $3,107 $93,656 $6,736,894 $38,459 $6,698,435 
 For the Three Months Ended March 31, 2020
 Commercial,
financial,
agricultural
and other		Real estate
construction		Residential
real estate		Commercial
real estate		Loans to
individuals		Total
 (dollars in thousands)
Allowance for credit losses:
Originated loans:
Beginning balance$20,221 $2,558 $4,091 $19,731 $4,984 $51,585 
Charge-offs(486)— (552)(265)(2,483)(3,786)
Recoveries68 — 62 44 212 386 
Provision (credit)7,575 294 4,123 11,755 5,555 29,302 
Ending balance27,378 2,852 7,724 31,265 8,268 77,487 
Acquired loans:
Beginning balance13 — 2 37 — 52 
Charge-offs— — (25)(1)(136)(162)
Recoveries13 — 13 — 7 33 
Provision (credit)324 — 10 1,202 129 1,665 
Ending balance350 — — 1,238 — 1,588 
Total ending balance$27,728 $2,852 $7,724 $32,503 $8,268 $79,075 
Ending balance: individually evaluated for impairment$2,727 $— $— $7,072 $— $9,799 
Ending balance: collectively evaluated for impairment25,001 2,852 7,724 25,431 8,268 69,276 
Loans:
Ending balance1,272,240 413,458 1,691,140 2,190,098 747,008 6,313,944 
Ending balance: individually evaluated for impairment7,544 — 1,506 36,513 — 45,563 
Ending balance: collectively evaluated for impairment1,264,696 413,458 1,689,634 2,153,585 747,008 6,268,381 
Financing Receivable, New Troubled Debt Restructuring
The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
 For the Three Months Ended March 31, 2021
  Type of Modification   
 Number
of
Contracts		Extend
Maturity		Modify
Rate		Modify
Payments		Total
Pre-Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Specific
Reserve
 (dollars in thousands)
Commercial, financial, agricultural and other2 $6,373 $— $— $6,373 $6,339 $1,190 
Time and demand2 6,373 — — 6,373 6,339 1,190 
Residential real estate3 — 105 14 119 119 — 
Residential first lien2 — 105 — 105 106 — 
Residential junior lien/home equity1 — — 14 14 13 — 
Loans to individuals2 — 64 — 64 61 — 
Automobile2 — 64 — 64 61 — 
Total7 $6,373 $169 $14 $6,556 $6,519 $1,190 
 For the Three Months Ended March 31, 2020
  Type of Modification   
 Number
of
Contracts		Extend
Maturity		Modify
Rate		Modify
Payments		Total
Pre-Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Specific
Reserve
 (dollars in thousands)
Residential real estate2 — — 118 118 117 — 
Commercial real estate2 — — 12 12 12 — 
Loans to individuals8 — 18 129 147 144 — 
Total12 $— $18 $259 $277 $273 $—